1220 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1220 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,220 sqft · built 2014
Lot Size	0.478 acres (20,839 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,900 (Apr 2021)
Tax Bill	$4,726 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Mar 2020 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000370`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000370`
Alternative APNs	`022826522100000370` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,220 sqft Living Area
1st Floor Area	1,608 sqft
Upper Floors Area	1,612 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	20,839 sqft (0.478 acres)
View / Lot	Commercial/Industrial
Porch	Unfinished Open Porch
Porch Area	40 sqft
Shed	1 Shed

Location & Zoning

Street Address	1220 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LUCERNE SHORES PB 39 PG 38 LOT 37
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	37
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2035
Census Tract	12804

Owner

Source: Polk County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1220 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 19, 2020	Grant Deed, Transfer ATTORNEY ONLY
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage LENDINGHOME FNDG
Aug 5, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jun 28, 2019	Loan Modification, Mortgage HOUSING CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2021 · Amount on Record
Deed Sale	Apr 21, 2021 · Amount on Record
Prior Sale	May 7, 2013 · Amount on Record
Deed Document Number	2021102089
Deed Book / Page	11679 / 1228
Prior Transfer Date	Dec 29, 1993
Prior Transfer Doc	3330001545
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 21, 2021
Property Address	1220 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0000102089
Book / Page	11679 / 1228
Map Reference	MB 39 PG 38&39
Instrument Date	Apr 19, 2021
Instrument	2021102089
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,149.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 GOLF VIEW DR, 217, WINTER HAVEN, FL 33884

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330

Mortgage

Document Number	0116791230
Date	Apr 21, 2021
Instrument	11679/1230

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 19, 2020
Property Address	1220 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0111820739
Book / Page	011182 / 000739
Instrument Date	Mar 17, 2020
Instrument	63639
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$9,800.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1220 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0109910335
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	27452 CALLE ARROYO SAN JUAN CAPISTRANO CA 926752748, SAN JUAN CAPISTRANO, CA 92675-2748
Investor	Possibly a Property Investor

Mortgage

Document Number	0109910335
Date	Oct 1, 2019
Book Page	010991/000335
Instrument	207582

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 5, 2019
Property Address	1220 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0109290511
Book / Page	010929 / 000511
Instrument Date	Jul 31, 2019
Instrument	162976
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$7,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	27452 CALLE ARROYO SAN JUAN CAPISTRANO CA 926752748, SAN JUAN CAPISTRANO, CA 92675-2748
Investor	Possibly a Property Investor

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	1220 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0108942131
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number	0108942131
Date	Jul 2, 2019
Book Page	010894/002131
Instrument	137998

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	13737 NOEL RD # 800, DALLAS, TX 75240-1331

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,726.00 (-6.23%) Homeowner's exemption	$397,062 (+5.99%)	$445,447 (-3.18%) Land $50,014 Building $395,433
2023	$5,040.00 (+2.23%) Homeowner's exemption	$374,633 (+3%)	$460,101 (+17.06%) Land $47,930 Building $412,171
2022	$4,930.00 Homeowner's exemption	$363,721	$393,033 Land $47,930 Building $345,103

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	7 (2004–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2023 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier, Verizon.

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